It depends on your business model. Mine wasn't a straightforward buy-a-thing-sell-a-thing model and this makes small business banking heads kersplode with great ferocity, it would seem.
"What is it you do again?"
"{{explanatory_statement}}"
"... so, um, what products are you going to sell?"
Annnnnd because my turnover is less than $ferrari, I'm always flicked to a small business banker. If I needed a loan for a commercial deep fryer I'd be talking to the right person.
We didn't try to do number 3 maybe that's the problem?